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Lakeland Financial Corporation (LKFN) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Lakeland Financial Corporation stock $33.12, price $61.15, that is 45.8% below the price, quality 61 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

LF Lakeland Financial Corporation logo Broad data Nov 7, 2026

Lakeland Financial Corporation

LKFN · US
Solid, but very expensive

Our calculation puts a fair price 46% below what the stock costs today.

Quality 61/100
Highly profitable · 40.6% net margin (TTM)
3.4% dividend yield · Low payout
Broad data
Mixed Growth (revenue 5y +13.1 %/yr in USD)
Mixed vs. peers (8/15)
Wide moat 67/100 · thin data
Insiders sold $1.8M (6M)
Fair value $33.12 · Strongly overvalued (−45.8%)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$73.02 $38.45 Fair Value $33.12 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $38.45 – $73.02 · fair‑value band $28.31 – $43.65 · the $61.15 price screens above the $33.12 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services in the United States.

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The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits.

It also offers loan products, including commercial and industrial, commercial real estate and multi-family residential, construction, agri-business and agricultural, consumer 1-4 family mortgage, and other commercial and consumer loans.

In addition, the company provides retail and merchant credit card services; corporate treasury management services, private banking, and wealth advisory; retail brokerage services comprising financial and investment products, annuities, and life insurance; and trust and fiduciary services, and estate and financial planning consulting services.

It serves commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and health care industries. The company was founded in 1872 and is headquartered in Warsaw, Indiana.

Stock analysis

Lakeland Financial Corporation (LKFN) currently trades at $61.15, while our model-based Fair Value estimate is $33.12, 46% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $48.36 per share, and 0 of the 6 models we run sit above the $61.15 price.

Bear case: the Asset-Based group reads lowest at $20.42, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $28.31 (bear) to $43.65 (bull), the price of $61.15 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Lakeland Financial Corporation reported revenue of $422M in FY2025 versus $238M in FY2021, a compound +15.4%/yr. Reported net income was $103M in FY2025, compounding +1.9%/yr from FY2021.

Key figures

Market cap $1.5B Small · P/E ratio 14.0 · P/S ratio 5.64 · EPS (TTM) $4.36 · Dividend yield 3.4% · Net margin 40.6% · Return on equity 15.0% · Return on assets (EBIT) 1.8% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 14% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −46%, LKFN screens richer than that median.

Fair Value models

Bear $28.31 Fair Value $33.12 Bull $43.65
Price $61.15 · Downside -45.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.97 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $28.31 $33.12 $43.65 76
Gordon GGM $16.63 $30.76 $43.32 67
DDM Multi-Stage $16.63 $27.50 $32.77 67
All 6 models by family
Dividend Discount
Gordon GGM $16.63 $30.76 $43.32 67
DDM Multi-Stage $16.63 $27.50 $32.77 67
Multiples
P/E Multiple $40.54 $54.06 $67.57 63
P/B Multiple $31.99 $42.66 $53.32 55
Asset-Based
NCAV (Graham) $15.24 $20.42 $30.47 54
Economic Profit
Residual Income $28.31 $33.12 $43.65 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 61/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 37
How much profit the company makes from its sales and capital
Quality Growth 59
Are margins and returns getting better?
Cashflow 81
Do the profits arrive as real cash?
Financial strength 3
Debt, balance sheet and risk of trouble
Investment 77
Does it invest with discipline instead of growing at any price?
Low Volatility 81
How calm the share price moves, does not count
Price momentum 42
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 61
Distance to the 52-week high, does not count
New shares 95
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 4 officers or directors sold shares worth $1.8M and none bought.

  • SaleMelinda Jo TruexDirector22,500 shares at $60.87$1.4MOct 29, 2026
  • SaleDonald Robinson-GaySenior Vice President500 shares at $63.00$31,500Aug 5, 2026
  • SaleKyra E ClarkSenior Vice President250 shares at $63.22$15,805Jul 30, 2026
  • SaleBradley J ToothakerDirector2× since Feb 23, 2026: 11,585 shares, avg. $59.51$689,435May 29, 2026
  • SaleSteven D RossDirector1,300 shares at $62.50$81,250May 6, 2026
  • SaleEric H OttingerExecutive Vice President2,136 shares at $61.49$131,343May 1, 2026
  • BuyM Scott WelchDirector3× since Feb 27, 2026: 25,000 shares, avg. $56.76$1.4MMar 12, 2026
  • SaleDavid M FindlayCEO3,000 shares at $63.02$189,060Feb 4, 2026
  • SaleStephanie R LeniskiExecutive Vice President1,665 shares at $62.76$104,495Feb 4, 2026
  • SaleLisa M O'NeillEVP & CFO2,900 shares at $60.74$176,146Feb 2, 2026

Plus 1 more entries from the last 12 months.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−1.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.1%
Start year 2020 (pandemic). Over 10 years: +11.2% a year
Revenue growth 31 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.3%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+6.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.5%
Dividend (yield on the price)3.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.3.5% vs 8.1%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.46% → 30%
Pace: the 5-year rate starts in 2020 (pandemic)

LKFN screens overvalued: fair value 46% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 997 stocks

Beats the industry median on 8/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 61 · Top 25%
Fair Value upside −45.8% · Bottom 25%
Profitability
Return on equity (12 months) 15.0% · Top 25%
Return on assets 1.5% · Top 25%
Net margin (12 months) 40.6% · Top 25%
Operating margin (12 months) 51.5% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 9.2% · Below median
Dividend yield (12 months) 3.4% · Above median
Balance sheet
Debt / equity 0.02× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 14.0× · Pricier than median
P/B 2.02× · Priciest 25%
P/S (12 months) 5.64× · Priciest 25%
Price / free cash flow (fiscal year) 14.9× · Pricier than median
EV/EBITDA 11.5× · Pricier than median
PEG 1.44× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)46 · sector 47
PAST (return on equity)60 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)67 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs LKFN
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs LKFN
BNP Paribas SA BNP €91.93 €106.01 +15% vs LKFN
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs LKFN
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs LKFN
UniCredit S.p.A UCG €76.80 €50.44 −34% vs LKFN
Mizuho Financial Group MFG $9.40 $5.90 −37% vs LKFN
DBS Group D05 69.72 SGD 40.39 SGD −42% vs LKFN
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs LKFN
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs LKFN

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Cite: Fair Value Calculator (2026). "Lakeland Financial Corporation Fair Value". https://www.fairvalue-calculator.com/stock/LKFN

Frequently asked questions

Is Lakeland Financial Corporation (LKFN) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $33.12 versus a price of $61.15, about 46% lower (overvalued).
What is the fair value of LKFN?
Our model-based fair value for Lakeland Financial Corporation is $33.12 (as of Nov 7, 2026), built from audited fundamentals. The current price: $61.15.
What is the quality score of LKFN?
Lakeland Financial Corporation has a Quality Score of 61/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Lakeland Financial Corporation (LKFN)?
Our model-based price target is the fair value of $33.12 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $28.31, optimistic scenario $43.65. It is a calculation from audited fundamentals, not an analyst target.
What is the Lakeland Financial Corporation stock forecast for 2026?
Our models put fair value at $33.12, about 46% lower versus a price of $61.15 (overvalued). Cautious scenario $28.31, optimistic scenario $43.65. The calculation is refreshed regularly with new filings.
What is the revenue of Lakeland Financial Corporation (LKFN)?
Lakeland Financial Corporation reported trailing-twelve-month revenue of about $274M (latest available figure, as of Nov 7, 2026).
Does Lakeland Financial Corporation pay a dividend?
Lakeland Financial Corporation currently shows a dividend yield of 3.37% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Lakeland Financial Corporation (LKFN) and when is the ex-dividend date?
Lakeland Financial Corporation pays a dividend of $2.06 per share a year, a dividend yield of 3.4%. The last ex-dividend date was Oct 23, 2026. A dividend has been paid every year since at least 1995. The payout ratio is 47.2% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Lakeland Financial Corporation (LKFN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Lakeland Financial Corporation it is $33.12 per share (as of Nov 7, 2026), against a price of $61.15. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Lakeland Financial Corporation stock overvalued or undervalued in 2026?
As of Nov 7, 2026, LKFN trades above its calculated fair value: price $61.15, fair value $33.12, a gap of about −46% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LKFN?
No. The price is what the market pays today ($61.15); the fair value is what the company's own numbers justify ($33.12). For Lakeland Financial Corporation the two are $28.03 per share apart. That gap is exactly why we show both numbers side by side.
How much is Lakeland Financial Corporation worth?
The market values Lakeland Financial Corporation at about $1.5B (market capitalisation, as of Nov 7, 2026). Per share that is $61.15; our models calculate a fair value of $33.12 per share.
What do the bullish and bearish scenarios say about LKFN?
Our models span a range for Lakeland Financial Corporation: cautious scenario $28.31, base $33.12, optimistic $43.65 per share (as of Nov 7, 2026, price $61.15). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LKFN?
Lakeland Financial Corporation trades at a price-to-earnings ratio of 14.0 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $33.12 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2024 ex one-offs: 18.0. Other multiples: PEG 1.4, P/B 2.0, P/S 5.6, EV/EBITDA 11.5.
What is the PEG ratio of LKFN?
The PEG ratio of Lakeland Financial Corporation is 1.44 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Lakeland Financial Corporation (LKFN)?
Balance-sheet figures for Lakeland Financial Corporation (as of Nov 7, 2026): return on equity 15.0%, debt of 0.02 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is LKFN from its 52-week high?
Lakeland Financial Corporation trades at $61.15, about 3% below its 52-week high of $63.14 and 14% above the low of $53.62 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $33.12 is for.
Which stocks are comparable to Lakeland Financial Corporation?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Lakeland Financial Corporation stock attractive at the current price?
The data as of Nov 7, 2026: price $61.15, calculated fair value $33.12 (−46%), Quality Score 61/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LKFN calculated?
We run Lakeland Financial Corporation through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $33.12 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Lakeland Financial Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Lakeland Financial Corporation (LKFN)?
The closing price on Nov 6, 2026 was $61.15. Our model-based fair value is $33.12, about 46% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Lakeland Financial Corporation right now?
The price sits above even our optimistic bull case ($43.65). The favourable scenario is already priced in. Solid but not exceptional quality (61/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Lakeland Financial Corporation (LKFN) come from?
Earnings per share at Lakeland Financial Corporation grew +8.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +11.2 %, EBIT margin −5.2 %, tax rate +2.5 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Lakeland Financial Corporation

How large is the market capitalisation of Lakeland Financial Corporation (LKFN)?
The market capitalisation of Lakeland Financial Corporation is $1.5B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Lakeland Financial Corporation (LKFN)?
The price-to-sales ratio of Lakeland Financial Corporation is 5.64 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Lakeland Financial Corporation (LKFN)?
Earnings per share at Lakeland Financial Corporation are $4.36 (price ÷ EPS = P/E 14.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Lakeland Financial Corporation (LKFN)?
The dividend yield of Lakeland Financial Corporation is 3.4% (payout 47.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Lakeland Financial Corporation (LKFN)?
The net margin of Lakeland Financial Corporation is 40.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Lakeland Financial Corporation (LKFN)?
The return on equity (ROE) of Lakeland Financial Corporation is 15.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Lakeland Financial Corporation (LKFN)?
On an EBIT basis the return on assets of Lakeland Financial Corporation is 1.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Lakeland Financial Corporation (LKFN)?
The operating margin of Lakeland Financial Corporation is 51.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Lakeland Financial Corporation (LKFN)?
Revenue at Lakeland Financial Corporation is growing +9.2% versus a year earlier (3y avg +14.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Lakeland Financial Corporation (LKFN)?
Earnings per share at Lakeland Financial Corporation are growing +8.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Lakeland Financial Corporation (LKFN) generate?
The free cash flow of Lakeland Financial Corporation is $104M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Lakeland Financial Corporation (LKFN) carry?
The net debt of Lakeland Financial Corporation is $127M (fiscal year 2025, ≈ 1.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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